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Enjoy competetive rates with a Cash Back or Rewards Points checking account.

Security Service Checking Accounts

Cash Back, Identity Theft Protection, Mobile Phone Coverage & High Interest

More than just a checking account, Power Protected Checking provides 10¢ cash back on purchases, identity theft protection, mobile phone coverage up to $250, high interest, plus much more!1,2

It gives you peace of mind knowing we are looking out for you, monitoring your personal information to protect your Security Service and other bank accounts, as well as protect your entire identity!

You won't find an account like Power Protected anywhere else: the benefits of cash back checking, the security of identity theft protection and mobile phone coverage, and the personal service of your credit union, all for a low monthly account fee of $6.



FEATURES Power Protected Checking Power Checking
ID Theft Protection2 -
10¢ Cash Back on Debit Card Purchases1 -
Mobile Phone Coverage2 -
Earn High Interest on Account Balance1 -
Professional ID Theft Investigators to Research and Restore Credit -
ID Theft Expense Reimbursement -
High Risk Transaction Monitoring -
Credit Monitoring -
Annual Credit Report -
Monthly Credit Score -
Internet Surveillance -
Lost Wallet Service -
Lost Document Assistance -
Compromised Passwords Defense -
Real-Time ID Theft Text Fraud Alerts -
Paper Statement Fee - $3
Free myBranch Online and Mobile Banking
Access to over 30,000 free ATMs1 nationwide
5,000 Shared Branches
Free BillPay
24/7 Customer Service
Free Personalized Debit Card
​Account Fees


(paper statements)
Learn More Learn More
Compare Power Protected Checking's savings benefits to a traditional savings account or Money Market account.

Security Service
Power Checking

  • No monthly account fee & free eStatements
  • No minimum balance or direct deposit requirement
  • Free online & mobile banking
  • 30,000 free ATMs1
  • Personalize your debit card

  • Available to young adults age 13-17
  • No monthly account fee & free eStatements
  • No minimum balance or direct deposit requirements
  • Free online & mobile banking
  • 30,000 free ATMs1
  • Personalize your debit card

Not a Security Service Member?
There are thousands of ways to qualify for membership. Find out if you qualify in the first step of the application or stop by one of Security Service's branches in Colorado, Texas, and Utah.

Must meet membership requirements and must open and maintain a Security Service Basic Savings Account with a $5 balance.
  1. For additional details, refer to All About Your Security Service Accounts, Truth in Savings, and Security Service Fee Schedule for Consumer Deposit Accounts.
    • Monthly account fee is deducted automatically from your account at the end of each month.
    • Power Protected Checking account fee will be waived for members with a monthly average account balance of $50k or greater.`
    • The term "interest" used above refers to dividends. Security Service Power Protected Checking is a blended-rate tier account, which means the dividend rate will only be paid on the portion of your daily balance within each balance tier. Rate is variable and may change after the account is opened.
    • "Swipes" and "purchases" do not include ATM transactions, returns, checks, or overdraft advances.
    • "Free ATMs" include Security Service, CO-OP Network, and Stripes Convenience Store ATMs. ATMs outside of this network are subject to a $1.50 fee.
  2. Policy limitations and disclosures provided to you upon enrollment
    • Monitoring services require online registration to activate. For specific details regarding coverage, please see Summary of Benefits – Evidence of Coverage. Some services may be limited or unavailable to non-U.S. citizens and persons residing outside the U.S. One bureau credit monitoring, annual credit report, and monthly credit score is provided by TransUnion®. Fully Managed Recovery Services are provided by InfoArmor, Inc. Mobile Phone coverage is provided by NXG Strategies, LLC and administered by Warrantech Corporation. ID Theft Expense Reimbursement Insurance is underwritten by Lyndon Southern Insurance, a member of the Fortegra family of companies. Coverage is not available in New York and may not be available in other jurisdictions in the future.